A service delivery framework to unlock the revenue potential of the SME segments of commercercial banks in South Africa
- Authors: Mahlati, Mphenduli Mncedi
- Date: 2018
- Subjects: Small business -- Finance , Financial services industry -- Information technology Banks and banking Technological innovations
- Language: English
- Type: Thesis , Masters , MBA
- Identifier: http://hdl.handle.net/10948/31633 , vital:31639
- Description: Small and Medium sized Enterprises (SMEs) are a vital driver to the world economy. They provide more than 60% of overall employment globally and approximately 80% of jobs in developed economies. This segment however remains underserved by banks who have struggled to serve SMEs effectively. Nevertheless banks are still perfectly placed to capture the needs of SME customers and to provide them with greater value adding services that address their needs. However, this must be done in a cost-effective manner to ensure long-term portfolio and banking profitability. SME Banking faces several challenges centred on the high cost to serve and profitability. For the banking sector to overcome these challenges and still meet increasing and changing customer needs, significant investment in digital technology is required. The literature reviewed identified that in order to unlock the revenue potential embedded within the SME segment; banks need ground-breaking solutions to solve their revenue and profitability conundrum. This study mentions that such solutions will need to be focused around placing banks as market enablers, by way of providing SMEs with a growth platform and not just financial transaction services. The study also identified a hybrid service delivery model and a digital ecosystem approach to SME banking as being pivotal to unlocking the revenue potential embedded within the segment. Through a digital ecosystem approach, banks can leverage their intra and inter banking network to assist SMEs to grow their businesses. In the process, this will serve as a way of increasing penetration into this underserved segment. In addition, such an approach to banking necessitates an acceptance of how interconnected business relationships have the capacity to enable business growth and subsequently to address SME banking risk. To also consider that banks in South Africa continue to view SMEs as being too risky and costly to serve. This study attempts to address this perceived riskiness by presenting a service delivery framework, which consists of key factors that would influence the revenue potential of the SME segments of Commercial Banks in South Africa. The empirical part of the research evaluated banking official’s awareness and understanding of key concepts that is likely to influence their views with regards to the revenue potential of the SME market.
- Full Text:
- Date Issued: 2018
- Authors: Mahlati, Mphenduli Mncedi
- Date: 2018
- Subjects: Small business -- Finance , Financial services industry -- Information technology Banks and banking Technological innovations
- Language: English
- Type: Thesis , Masters , MBA
- Identifier: http://hdl.handle.net/10948/31633 , vital:31639
- Description: Small and Medium sized Enterprises (SMEs) are a vital driver to the world economy. They provide more than 60% of overall employment globally and approximately 80% of jobs in developed economies. This segment however remains underserved by banks who have struggled to serve SMEs effectively. Nevertheless banks are still perfectly placed to capture the needs of SME customers and to provide them with greater value adding services that address their needs. However, this must be done in a cost-effective manner to ensure long-term portfolio and banking profitability. SME Banking faces several challenges centred on the high cost to serve and profitability. For the banking sector to overcome these challenges and still meet increasing and changing customer needs, significant investment in digital technology is required. The literature reviewed identified that in order to unlock the revenue potential embedded within the SME segment; banks need ground-breaking solutions to solve their revenue and profitability conundrum. This study mentions that such solutions will need to be focused around placing banks as market enablers, by way of providing SMEs with a growth platform and not just financial transaction services. The study also identified a hybrid service delivery model and a digital ecosystem approach to SME banking as being pivotal to unlocking the revenue potential embedded within the segment. Through a digital ecosystem approach, banks can leverage their intra and inter banking network to assist SMEs to grow their businesses. In the process, this will serve as a way of increasing penetration into this underserved segment. In addition, such an approach to banking necessitates an acceptance of how interconnected business relationships have the capacity to enable business growth and subsequently to address SME banking risk. To also consider that banks in South Africa continue to view SMEs as being too risky and costly to serve. This study attempts to address this perceived riskiness by presenting a service delivery framework, which consists of key factors that would influence the revenue potential of the SME segments of Commercial Banks in South Africa. The empirical part of the research evaluated banking official’s awareness and understanding of key concepts that is likely to influence their views with regards to the revenue potential of the SME market.
- Full Text:
- Date Issued: 2018
The role of principals as instructional leaders in two underperforming senior secondary schools in the King William's Town education district
- Authors: Sijako, Bantu
- Date: 2017
- Subjects: School principals -- South Africa -- Eastern Cape , School management and organization -- South Africa -- Eastern Cape Effective teaching -- South Africa -- Eastern Cape Educational leadership -- South Africa -- Eastern Cape Instructional systems
- Language: English
- Type: Thesis , Masters , M Ed
- Identifier: http://hdl.handle.net/10353/619 , vital:26474
- Description: School principals are expected to play a pivotal role in enhancing quality teaching and learning in their schools. As leaders of organisations called schools, where teaching and learning take place, they need to possess particular skills to enable them to effectively deliver on their responsibilities of supporting teaching and learning. This means that a school principal is at the centre of any change that must occur at school level. He/she is expected to create a positive learning space by providing a healthy climate for teaching and learning in the school. However, some secondary schools in the King William’s Town Education District are performing far below the national average when it comes to the Grade 12 results. For this reason, this study sought to explore the views of the school management team members in two such schools on the role of principals as instructional leaders. The case study was premised within the qualitative research approach and the interpretivist paradigm was used as an epistemological base to investigate the views of the school management teams on the role of principals as instructional leaders. Eight school management team members were selected from both schools and the data was collected by means of face-to-face semi-structured interviews and documentary analysis. The data showed that participants had divergent views on how principals play the instructional leadership role. It appeared that principals employed different strategies in supporting teaching and learning in their schools and the focus was on control rather than support. It also emerged from the data that there was a lack of professional support at all levels in the selected schools, and parents were not involved in their children’s academic work. The researcher concludes that there seemed to be no systemic and coherent support strategy focusing on teaching and learning, as there were divergent views on how principals perform their instructional leadership roles. The study therefore recommends that principals be trained on instructional leadership to give them a deeper insight into supporting curriculum implementation in their schools.
- Full Text:
- Date Issued: 2017
- Authors: Sijako, Bantu
- Date: 2017
- Subjects: School principals -- South Africa -- Eastern Cape , School management and organization -- South Africa -- Eastern Cape Effective teaching -- South Africa -- Eastern Cape Educational leadership -- South Africa -- Eastern Cape Instructional systems
- Language: English
- Type: Thesis , Masters , M Ed
- Identifier: http://hdl.handle.net/10353/619 , vital:26474
- Description: School principals are expected to play a pivotal role in enhancing quality teaching and learning in their schools. As leaders of organisations called schools, where teaching and learning take place, they need to possess particular skills to enable them to effectively deliver on their responsibilities of supporting teaching and learning. This means that a school principal is at the centre of any change that must occur at school level. He/she is expected to create a positive learning space by providing a healthy climate for teaching and learning in the school. However, some secondary schools in the King William’s Town Education District are performing far below the national average when it comes to the Grade 12 results. For this reason, this study sought to explore the views of the school management team members in two such schools on the role of principals as instructional leaders. The case study was premised within the qualitative research approach and the interpretivist paradigm was used as an epistemological base to investigate the views of the school management teams on the role of principals as instructional leaders. Eight school management team members were selected from both schools and the data was collected by means of face-to-face semi-structured interviews and documentary analysis. The data showed that participants had divergent views on how principals play the instructional leadership role. It appeared that principals employed different strategies in supporting teaching and learning in their schools and the focus was on control rather than support. It also emerged from the data that there was a lack of professional support at all levels in the selected schools, and parents were not involved in their children’s academic work. The researcher concludes that there seemed to be no systemic and coherent support strategy focusing on teaching and learning, as there were divergent views on how principals perform their instructional leadership roles. The study therefore recommends that principals be trained on instructional leadership to give them a deeper insight into supporting curriculum implementation in their schools.
- Full Text:
- Date Issued: 2017
A framework for parental control of mobile devices in South Africa
- Authors: Marais, Jacques
- Date: 2012
- Subjects: Cell phones -- Social aspects -- South Africa , Digital communications -- Social aspects -- South Africa
- Language: English
- Type: Thesis , Masters , MTech
- Identifier: vital:9759 , http://hdl.handle.net/10948/d1008404 , Cell phones -- Social aspects -- South Africa , Digital communications -- Social aspects -- South Africa
- Description: Future generations are built on the children of today. Thus, children's well- being and safety is of paramount importance. Children are making use of mobile devices, such as smart phones, to gain access to the Internet and other data driven mobile services. Children and parents alike are unaware of the risks they are exposed to when accessing such services. A clear lack of parental control over or awareness of this mobile use has been identified in South Africa. Without adequate awareness and successful use of a comprehensive mobile parental control solution, South African children may be at risk. This risk may include exposure to potentially harmful content and/or individuals. This dissertation presents a framework that supports the attainment of a comprehensive mobile parental control solution based on sound research.
- Full Text:
- Date Issued: 2012
- Authors: Marais, Jacques
- Date: 2012
- Subjects: Cell phones -- Social aspects -- South Africa , Digital communications -- Social aspects -- South Africa
- Language: English
- Type: Thesis , Masters , MTech
- Identifier: vital:9759 , http://hdl.handle.net/10948/d1008404 , Cell phones -- Social aspects -- South Africa , Digital communications -- Social aspects -- South Africa
- Description: Future generations are built on the children of today. Thus, children's well- being and safety is of paramount importance. Children are making use of mobile devices, such as smart phones, to gain access to the Internet and other data driven mobile services. Children and parents alike are unaware of the risks they are exposed to when accessing such services. A clear lack of parental control over or awareness of this mobile use has been identified in South Africa. Without adequate awareness and successful use of a comprehensive mobile parental control solution, South African children may be at risk. This risk may include exposure to potentially harmful content and/or individuals. This dissertation presents a framework that supports the attainment of a comprehensive mobile parental control solution based on sound research.
- Full Text:
- Date Issued: 2012
An analysis of the performance of a South African stainless steel manufacturer in localising the demand for corrosion resistant steels within the Eastern Cape catalytic converter industry
- Authors: Soiné, Robert Paul
- Date: 2004
- Subjects: Automobiles -- Catalytic converters , Steel industry and trade -- South Africa -- Eastern Cape , Corrosion-resistant materials
- Language: English
- Type: Thesis , Masters , MBA
- Identifier: vital:10878 , http://hdl.handle.net/10948/200
- Description: Commercial decisions are been made with respect to the competitive advantage of manufacturing catalytic converters in South Africa. This thesis identifies those factors relating to the sourcing of stainless steel and the impact it has of securing future business in a competitive environment. The catalytic converter industry requires the support of a stainless steel plant that provides high quality products at a competitive price, while keeping abreast with international developments.
- Full Text:
- Date Issued: 2004
- Authors: Soiné, Robert Paul
- Date: 2004
- Subjects: Automobiles -- Catalytic converters , Steel industry and trade -- South Africa -- Eastern Cape , Corrosion-resistant materials
- Language: English
- Type: Thesis , Masters , MBA
- Identifier: vital:10878 , http://hdl.handle.net/10948/200
- Description: Commercial decisions are been made with respect to the competitive advantage of manufacturing catalytic converters in South Africa. This thesis identifies those factors relating to the sourcing of stainless steel and the impact it has of securing future business in a competitive environment. The catalytic converter industry requires the support of a stainless steel plant that provides high quality products at a competitive price, while keeping abreast with international developments.
- Full Text:
- Date Issued: 2004
- «
- ‹
- 1
- ›
- »